Credit Monitoring Arrangement data for cash credit, overdraft and working capital limits, in the bank's format.
CMA (Credit Monitoring Arrangement) data is the set of financial statements banks use to assess working capital limits such as cash credit and overdraft, and for renewals and enhancements. It presents past actuals, current-year estimates and projections in standard formats, along with assessment of working capital gap and key ratios. We prepare CMA data from your audited financials and business plans, consistent with what your bank expects.
One fixed professional fee, inclusive of GST, agreed with you before any work starts — no hourly billing, no surprises, and nothing charged until you approve it.
Order CMA data preparation and pay online.
Upload audited and provisional financials and loan details in your dashboard.
We prepare the CMA formats, discuss key assumptions with you and finalise the projections.
Download the final CMA report in Excel and PDF from your dashboard.
Typically for new working capital limits, annual renewals, enhancements of cash credit or overdraft limits, and sometimes for term loans to larger borrowers.
Usually past two years' actuals, the current year's estimate and projections for one or more following years, depending on the bank's requirement and loan tenure.
Maximum Permissible Bank Finance is the working capital finance a bank may extend based on the gap between current assets and current liabilities, after considering the borrower's own margin.
A project report focuses on a new project's cost, funding and viability. CMA data focuses on working capital needs of an existing business based on its historical and projected financials.
No. The bank decides limits after its own appraisal. Our role is to prepare accurate, consistent CMA data for that appraisal.